Izindlela ezikhandlayo nezingatholakali kalula zokwenza izinkokhelo zaphesheya ziyinto yesikhathi esedlule. I-SALT.PE yenza lula futhi yenza kube lula ukuthengiselana okuwela imingcele, iguqula imboni.
Kulokhu okuthunyelwe, sizohlola izinzuzo nezici ezihlukile zenkundla, kanye nomklamo wayo osebenziseka kalula nezici zokuphepha eziqinile.
Inkundla ye-Salt.Pe iyimpendulo ephelele yazo zonke izidingo zakho ezihlobene nezinkokhelo eziwela imingcele, kungakhathaliseki ukuthi ungumuntu noma ibhizinisi elizama ukwandisa ukufinyelela kwakho.
Uhlolojikelele lwe-Salt.Pe nezinkonzo zayo
Usawoti.Pe iyisiqalo se-fintech saseNdiya esasungulwa ngoJanuwari 13, 2020 ngu-Udita Pal kanye no-Ankit Parashar. Le nkampani izinze e-Bengaluru, e-Karnataka e-India, futhi inikeza isisombululo se-neo-banking ukuze kube lula ukukhokha kanye nemibhalo yamabhizinisi amancane naphakathi.
Inkundla ihlose ukuhlinzeka ngesixazululo esisodwa kuzo zonke izidingo zamabhange zamazwe ngamazwe, ikakhulukazi izinkokhelo eziwela imingcele kanye nokuthobela imithetho. Kuyisixazululo esisha esisiza amabhizinisi ukuthi azulazule emhlabeni oyinkimbinkimbi wezinkokhelo zamazwe ngamazwe kanye nezidingo zokuthobelana kalula.
Nge-salt.pe, amabhizinisi angagxila ekukhuliseni imisebenzi yawo ngaphandle kokukhathazeka ngezinkinga zamabhange ngamazwe. Umgomo wenkampani uwukwenza ukubhanga kwamazwe ngamazwe kufinyeleleke kuwo wonke umuntu kanye nokunika amandla amabhizinisi abo bonke osayizi ukuze andise ukufinyelela kwawo kuwo wonke umhlaba.
Kodwa ziyini ngempela izinkokhelo ze-Cross-Border? Ingabe siyakudinga lokho?
Izinkokhelo eziwela imingcele ziyimisebenzi yezezimali eyenzeka phakathi kwamabhizinisi asemazweni ahlukene. Zibalulekile ekusekeleni ezohwebo zamazwe ngamazwe kanye nokusebenza kwezinkampani emnothweni womhlaba.
Izinkokhelo zemingcele ziya ngokuya zibaluleke kakhulu eNdiya njengoba izwe landa ukufinyelela kwalo emhlabeni jikelele. Ikakhulukazi, amafemu amancane naphakathi nendawo (ama-SME) e-India anesidingo esikhulu sezixazululo zokukhokha eziwela imingcele ukuze zisekele imisebenzi yazo yokuhwebelana kwamanye amazwe.
Kodwa-ke, izinhlelo zamanje zokukhokha emngceleni waseNdiya zibhekana nezingqinamba eziningi, okuhlanganisa izindleko ezibizayo, izikhathi zokucubungula ezinde, kanye nezidingo zokulawula eziyinkimbinkimbi. Lezi zithiyo zivame ukucindezela ukukhula kwama-Indian SME futhi zinciphise amandla awo okuzibandakanya emnothweni womhlaba.
Izinkokhelo eziwela imingcele zibalulekile e-India ngoba zingasiza ama-Indian SMEs ukuthi anqobe lezi zithiyo futhi angene ezimakethe ezintsha, eziwavumela ukuthi aqhudelane emhlabeni wonke futhi athuthukise inqubekelaphambili yezomnotho wezwe.
Ngenxa yalokho, isixazululo esisebenza kahle nesingabizi kakhulu sokukhokha emngceleni njenge-Salt.Pe sinamandla okusiza ngokuphawulekayo amabhizinisi amancane namaphakathi ase-India sibe sinegalelo ekukhuleni komnotho waseNdiya.
Izinselelo Ezijwayelekile okubhekwana nazo kulo mkhakha
Yebo, kunezithiyo nemikhawulo evamile izinhlangano ezisemkhakheni wokukhokha wemingcele ezihlangabezana nazo, njenge:
- Izithiyo zokulawula: Izinkokhelo eziwela imingcele zingabandakanya izizwe eziningi kanye nemikhawulo yazo ngayinye, okwenza inqubo ibe nzima futhi idle isikhathi. Izinkampani kufanele ziqinisekise ukuthi zonke izibopho zokulawula, ezifana nokulwa nokushushumbisa imali (i-AML) kanye ne- know-your-customer (KYC), ziyahlangatshezwa.
- Amazinga okuguqulwa kohlobo lwemali: Ukushintshashintsha kwezinga lokushintshanisa imali kungase kuthinte izindleko zemisebenzi ewela umngcele kanye nenani lokugcina elitholwe umamukeli.
- Izimali zokudlulisa: Izindleko zokudlulisa eziphezulu zingenza izinkokhelo ezinqamula imingcele zibize ngokweqile kubo bobabili umthumeli nomamukeli.
- Ijubane lokudlulisa: Izinkokhelo eziwela imingcele zingathatha izinsuku ezimbalwa ukufika lapho ziya khona, kubangele ukungakhululeki nokulahlekelwa isikhathi.
- Security: Ngoba ukuthengiselana okuwela imingcele kuhilela izindodla zemali, kujwayele ukukhwabanisa nokuhlasela ku-inthanethi. Izinkampani kule ndawo kumele ziqinisekise ukuthi zinezinyathelo ezanele zokuphepha ezikhona ukuze zivikele imali yabathengi bazo.
Ake sibone ukuthi i-Salt.Pe ibhekana kanjani nalezi zinselele!
Ungaqala kanjani?
Ukuqalisa nge-Salt.Pe kuyinqubo eqondile engaqedwa ngezinyathelo ezimbalwa nje ezilula. Ukusiza ukuletha umuzwa wokuzibonela wenkundla, mina ngokwami ngazinika isikhathi sokubhalisa kuwebhusayithi ye-Salt.Pe.
Isinyathelo sokuqala senqubo ukukhetha uhlobo lwebhizinisi lakho, noma ngabe uyinkampani, ubambiswano, ubunikazi bomhlaba, noma isisebenzi esizimele. Okulandelayo, uzocelwa ukuthi unikeze imininingwane eyisisekelo njengegama lakho, izwe, ikheli le-imeyili, incazelo yebhizinisi, kanye nenzuzo.
Ngemva kokuvumelana nemigomo nemibandela, ungakhetha amazwe olindele ukwamukela izinkokhelo kuwo. Sicela uqaphele ukuthi kungase kube nezindleko ezengeziwe zamazwe angaphandle kwe-US, UK, Canada, ne-EU.
Uma zonke izinto ezisemthethweni seziqediwe, ungangena ku-akhawunti yakho ngokushesha.
Ukusebenziseka kalula nolwazi lwamakhasimende
Enye yezinto eziyinhloko zokuthengisa ze-Salt.Pe ubulula bayo bokusebenzisa kanye nolwazi lweklayenti. Inhlangano iyazazi izinkinga ezimbili ezinkulu ezihlobene nezinkokhelo zangaphandle: izinqubo ezidla isikhathi futhi imithethonqubo enzima.
Ukuze kubhekwane nalezi zinselele, i-Salt.Pe idale inkundla yayo yokunciphisa isikhathi sokuthenga futhi isize amakhasimende ekuzulazuleni kwezomthetho ezidingekayo. Ngenxa yalokho, inkampani isicubungule $ 15 million ekuthengiseni nasezinkokhelweni zangaphandle ezenziwe lula nezingenaso ingcindezi.
Amakhasimende akusadingeki ahlupheke ngokubambezeleka okude nokukhandlayo kokucubungula, izindleko zokwenziwa ezibizayo, noma ukuntuleka kosizo lwedijithali nge-Salt.Pe. Isakhiwo senkundla esisebenziseka kalula kanye nokuzulazula okuqondile kuyenza ibe enye indlela enhle kunoma ubani ofisa ukwenza kahle inqubo yakhe yokukhokha yamazwe ngamazwe.
Ukuphepha nokuphepha kolwazi lomsebenzisi lomuntu siqu nelezezimali
I-Salt.Pe ithatha isibopho sayo sokuvikela ulwazi lomuntu siqu kanye nezezimali lwabasebenzisi njengento ebaluleke kakhulu. Inhlangano ithathe zonke izinyathelo ezibalulekile zokuvikela ukuphepha kwamakhasimende ayo. Isebenzisane namabhange agadwe yi-Reserve Bank of India (RBI), kanye nabalawuli abafanele benkampani ngayinye esebenza nabo, ukuze kuqinisekiswe ukuthi yonke imisebenzi ithobelana ngokuphelele nezindinganiso zomkhakha.
Ngokungeziwe ebudlelwaneni bayo namabhange alawulwayo, i-Salt.Pe futhi isebenzisa ubuchwepheshe obusezingeni eliphezulu ukuze ivikele ulwazi lwabasebenzisi. Ukusuka ekubethelweni kokugcina kwedatha kuye kumaphrothokholi okuphepha anezingqimba eziningi, inkampani izimisele ukuhlinzeka abasebenzisi bayo ngokuthula kwengqondo.
Nge-Salt.Pe, ungaqiniseka ukuthi imininingwane yakho yomuntu siqu neyezezimali iphephile ngo-100%. Kungakhathaliseki ukuthi wenza inkokhelo enqamula imingcele noma umane ugcina ulwazi lwakho, i-Salt.Pe iyakukhava.
Ikhwalithi yokusekelwa kwamakhasimende
Naphezu kokuba inkampani encane kakhulu, i-Salt.Pe ithatha ukusekelwa kwamakhasimende njengento ebalulekile. Nakuba kungase kungabi bikho izinhlobonhlobo zezinketho zokuxhumana nenkampani, bakwenze kwaba yinto ebaluleke kakhulu ukutholakala ukuze kubhekwane nanoma yiziphi izikhalo amakhasimende abo angaba nazo.
Amakhasimende angathintana nethimba le-Salt.Pe ngokuthumela i-imeyili [i-imeyili ivikelwe], lapho ithimba lokulungisa elizinikele lizophendula imibuzo yalo ngokushesha. Njengoba inkampani iqhubeka nokukhula, ingase ikhulise ukunikezwa kokusekelwa kwamakhasimende, kodwa okwamanje, ikwenze kwaba yinto ehamba phambili ukuthi itholakale futhi iphendule izidingo zamakhasimende ayo.
Ukungafihli kanye nezinkokhelo
Ngokuphathelene nokubeka izinto obala kanye nezimali ezikhokhwayo, i-Salt.Pe inikeza indlela ecacile neqondile. Nakhu ayikho imali yokubhalisa futhi inkundla ikhokhisa kuphela 1.75% kukho konke okwenziwayo. Le nkokhelo ihlanganisa yonke into, ngaphandle kwezindleko ezifihliwe, okubhaliselwe, noma izinkokhelo zonyaka.
Ukwengeza, i-Salt.Pe ayikhokhisi noma yiziphi izimali zokumaka ekuguquleni, esikhundleni salokho, ilandela izinga elinikezwa i-Google lokuguqulwa kwe-INR. Lokhu kwenza kube lula kumakhasimende ukuqonda izindleko ezihilelekile futhi kusiza ukugwema noma yiziphi izindleko ezingalindelekile.
Ngaleli zinga lokubonisa ngale, abasebenzisi bangaba nesiqiniseko sokuthi izindleko zabo zizohlala zibikezelwa futhi zilawuleka, ngisho nangevolumu ephezulu yemisebenzi ewela imingcele.
Ukuqamba kanye nezici ezihlukile ezinikezwa yinkampani
I-Salt.Pe inezici ezimbili eziyinhloko- (1) Imali Ethunyelwa Ngaphakathi, kanye (2) Nosawoti Wethebula. Ake sizibheke ngabanye.
(i) Imali Ethunyelwa Ngaphakathi
I-Salt.Pe inomsebenzi ohlukile obizwa ngokuthi “Imali Ekhishwa Ngaphakathi” okuhloswe ngayo ukusiza izinkampani ezincane ukuthi zithole imali emithonjeni yaphesheya kwezilwandle. Lesi sici sivumela izinkampani ezincane ukuthi zivule indawo ama-akhawunti asebhange ngezimali ezinkulu eziyisithupha, okuhlanganisa I-GBP, i-AUD, i-USD, i-EUR, i-HKD, ne-SGD, ngaphandle kwesidingo segatsha laphesheya kwezilwandle.
Ukuze uqale, vele ubhalise kuwebhusayithi ye-Salt.Pe, ugcwalise izinqubo ze-KYC ne-KYB, futhi uthole ama-akhawunti asebhange endawo ukuze uthole imali yangaphandle. Amakhasimende angakhokha endaweni futhi adlulisele izimali kuma-akhawunti awo endawo nge-Inward Remittance, futhi imali izodluliselwa ku-akhawunti yawo yama-Indian phakathi namahora angu-24.
Lesi sici esiyingqayizivele asinciphisi kuphela isikhathi nomzamo ohlobene nezinkokhelo zamazwe ngamazwe kodwa futhi sinikeza indlela esheshayo nephumelelayo yokuthi amabhizinisi amancane athole imali emithonjeni yangaphandle.
(ii) Usawoti Wethebula
Nokho, ukuthengiselana emhlabeni wonke akuhlali kulula njengoba kungase kubonakale. Zibandakanya izinto eziningi eziyinkimbinkimbi kanye nezinqubo okudingeka zilandelwe. Yilapho isici esizayo se-Salt.Pe, 'ITafula Usawoti' iqala ukudlala.
Leli thuluzi, lisesesigabeni salo se-beta, lenzelwe abasafufusa abancane ukuze benze inqubo yokuqongelela imali ngokuzenzakalelayo.
Ngosizo lwe-'Table Salt', ungavula i-akhawunti yemali emahoreni angama-48 futhi uthole imali emahoreni angama-24. Ithuluzi liphinde lilawule ukuthotshelwa koxhaso lwangaphambili, kanye nokuthobela uxhaso lwangemva kwe-RBI, i-MCA, ne-FEMA utshalomali lwangaphandle, futhi inikeza ukubonakala okuphelele enqubweni yokutshala imali.
Ukwengeza, ihlose ukwenza ukuthengiselana kwamanye amazwe kwenzeke nge-UPI ngo-2025. Ngokugcwaliswa ngokushesha kwamafomu e-FIRC kanye ne-FCGPRS, izindleko eziphansi zezindleko ze-forex, kanye nokuphuma okungenazinkinga nemibhalo ethobela ngokugcwele, 'Usawoti Wethebula' isethelwe ukuguqula indlela abasha abasafufusa abaqhuba ngayo ukuthengiselana kwabo kwamanye amazwe.
Yini isitifiketi se-FIRC
Isitifiketi se-FIRC (Isitifiketi Sokukhokhelwa Kwangaphakathi Kwangaphandle) siyidokhumenti esebenza njengobufakazi bokuthunyelwa ngaphakathi kwemali yangaphandle eNdiya. Ikhishwa amabhange ase-India kumakhasimende athole izinkokhelo zemali yakwamanye amazwe.
Isitifiketi se-FIRC siyidokhumenti ebalulekile edingwa iBhange Lombuso lase-India (RBI) ukuze lilawule ukutshalwa kwezimali kwamanye amazwe kanye nemali ethunyelwayo e-India.
Isitifiketi siqinisekisa ukuthi inkokhelo yemali yangaphandle yamukelwe ngezindlela ezisemthethweni nezisemthethweni. Ngokuthola isitifiketi se-FIRC, amabhizinisi angabonisa ubuqiniso bemisebenzi yawo yangaphandle, akwenze kube lula ukuphatha ukuthobelana kwangemva koxhaso kanye neminye imithetho ehlobene nokutshalwa kwezimali kwamanye amazwe.
Isici esizayo sika-Salt.Pe 'Usawoti Wethebula' ihlose ukwenza inqubo yokuthola isitifiketi se-FIRC isheshe futhi ilungele ukuqalisa.
I-Payoneer VS Salt.Pe
Yini i-Payoneer
I-Payoneer iyisevisi esezingeni eliphezulu yokucubungula izinkokhelo evela ku-Merchant Stronghold etholakala e-Clearwater, eFlorida. Inikeza isixazululo esikahle nesiphelele samabhizinisi azo zonke izinhlobo ukuze aphathe amaqoqo awo okukhokha.
Ngokutholakala kwamathuluzi okucubungula izinkokhelo athuthukile, njengemishini ye-POS, amatheminali abonakalayo, nokuhlanganiswa kwewebhusayithi okungenamsebenzi, i-Payoneer yenza kube lula ukuthi amabhizinisi acubungule izinkokhelo futhi athole imali kumakhasimende kalula.
Ukugxila kwe-Payoneer ekunikezeni ama-akhawunti abathengisi abasengozini enkulu nabaphesheya kolwandle kunikeza amabhizinisi amandla okukhulisa ukufinyelela kwawo futhi aphishekele ukukhula ngaphandle kokuhlangabezana nezithiyo ngokuvamile ezihlotshaniswa nezindlela zokucubungula izinkokhelo ezivamile.
Yikuphi okungcono?
I-Payoneer iyinkundla eyakhiwe kahle ehlinzeka ngedijithali I-FIRC mahhala kanye nomphathi wesitolo ozinikele ukuze aphathe izitolo zakho eziningi kuzo zonke izimakethe. Yabo isevisi ye-escrow isici esidumile esiqinisekisa ukuthengiselana okufanele phakathi kwabasebenzisi bayo.
Kodwa-ke, naphezu kokuba umdondoshiya embonini, uPayoneer uye wazabalaza ukusungula uhlelo lokusekela amakhasimende olusabelayo nolufinyelelekayo, okungase kube nomthelela omkhulu.
Ngakolunye uhlangothi, i-Salt.Pe iyinkundla entsha uma kuqhathaniswa ehlose ukunikeza ulwazi olungenazihibe kumabhizinisi afuna ukuphatha ukuthengiselana kwawo kalula. I-Salt.Pe ihlukile ngomqondo wokuthi inikeza isixazululo esibanzi sokuphatha ukuthotshelwa kwezimali ngaphambi nangemuva, okuhlinzeka ngokubonakala okuphelele kwenqubo yokutshala izimali.
Inkundla futhi ihlinzeka ngokuphuma okungenazinkinga ngemibhalo ethobela ngokuphelele kanye nokugcwalisa ngokushesha amafomu e-FIRC kanye ne-FCGPRS. Lezi zici, ezihlanganiswe nokugcizelela kuka-Salt.Pe kokuthi insiza enhle yamakhasimende ikwenza kube ukukhetha okuncanyelwayo kumabhizinisi afuna inkundla ethembekile nephumelelayo yokuphatha ukuthengiselana kwawo.
Isiphetho kanye nesilinganiso sisonke
Ekuphetheni, Usawoti.Pe iyinkundla enikeza indlela eyingqayizivele yokukhokha emngceleni futhi iklanywe kahle. Amabhizinisi angathola izinkokhelo ezivela emazweni amaningana kalula ngenxa yokwenziwa lula kwenkundla yenqubo yokukhokha.
I-interface yomsebenzisi enembile kanye nosizo lwamakhasimende oluwusizo ngempela kuyinzuzo.
Inkundla iyimbangi enamandla emakethe yezinkokhelo eziwela umngcele ngenxa yezici ezihlukahlukene. Kungase kuthathe isikhathi, uma kubhekwa ukungavuthwa kwayo, ngaphambi kokuba sibikezele ngokuzethemba ukuthi izoguqula umkhakha wezinkokhelo eziwela imingcele.
Kodwa inkundla inezithembiso eziningi, ngakho-ke kufanelekile ukunaka.
Sekukonke, i-Salt.Pe ithola okungu-8 kokungu-10!
shiya impendulo